0% Introductory Rate Credit Cards for Interest-Free Credit Card Purchases

Check out these top 0% introductory rate credit cards to make interest-free credit card purchases during the intro period.

These credit cards are great for financing large purchases or if you need some extra spending power and you plan to carry a balance.

All of these credit cards offer 0% Introductory Rates on Purchases, so you can pay off your purchases interest-free.

Plus, there are No Annual Fees for any of these card offers.

Some of these cards also provide reward programs, so you’ll save extra money and earn additional rewards on your purchases at the same time.

0% APR Purchases Consumer Cards

Check out these 0% APR intro rates on purchases for consumer credit cards, and apply online for these credit cards.


Citi® Diamond Preferred® Card

Apply for the Citi® Diamond Preferred® Card to receive a 0% intro APR on balance transfers and purchases for 18 months* with no annual fee*.

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

Read this Citi® Diamond Preferred® Card Review for more details on this 0% intro APR offer from Citibank.


Discover it®

  • 0% intro APR on purchases & balance transfers for 14 months – then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment – APR won’t go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service – anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website. Discover is a paid advertiser of MaximizingMoney.com.


These are some of the best 0% introductory offers that are currently available from top card issuers.

Come back soon for more 0% APR Loan Credit Cards.